they charge me $10 every month on my bill for 2 years already, and my phone has been broken, I went to them and file a claim for a new phone. but they still want to charge me another $169 for replacement, so in total i will pay 169 + (10*24)= $409 for a 16 GB iPhone 4, which market price right now is only less than 500. I feel like i am being cheated by this monster, what is the fucking point of paying for its insurance?

the reason i paid the insurance is because i thought that I will get a replacement phone for free, when my current one broke. who would know that they will charge me for additional $169, it is so unfair, and i am not very much happy about this monster devil company.